The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$17,015
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,544
−HK$538/mo
Today · 4.125%
HK$18,082
baseline
▲ 0.50% · 4.625%
HK$19,182
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,164/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,929
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,436
−HK$515/mo
Today · 4.125%
HK$19,951
baseline
▲ 0.50% · 4.625%
HK$21,003
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,902/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,418
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,053
−HK$645/mo
Today · 4.125%
HK$21,698
baseline
▲ 0.50% · 4.625%
HK$23,018
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,396/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,714
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,324
−HK$618/mo
Today · 4.125%
HK$23,942
baseline
▲ 0.50% · 4.625%
HK$25,204
+HK$1,262/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,884/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,821
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,562
−HK$752/mo
Today · 4.125%
HK$25,314
baseline
▲ 0.50% · 4.625%
HK$26,855
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,628/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,500
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,211
−HK$721/mo
Today · 4.125%
HK$27,932
baseline
▲ 0.50% · 4.625%
HK$29,404
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,864/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,626
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,579
−HK$968/mo
Today · 4.125%
HK$32,547
baseline
▲ 0.50% · 4.625%
HK$34,527
+HK$1,980/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$65,094/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,072
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,985
−HK$927/mo
Today · 4.125%
HK$35,912
baseline
▲ 0.50% · 4.625%
HK$37,805
+HK$1,893/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$71,824/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,853 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).